Sam's Club Credit Cards

The Sam’s Club Mastercard’s primary focus is earning cash back. All the rewards earned through this card are mailed to consumers once per year, in the form of a check that can only be cashed or redeemed at a Sam’s Club location. If you don’t redeem the check within 180 days of it being issued, the rewards expire.

Sam's Club Credit Cards (2)

Sam’s Club® MasterCard®

Sam’s Club® MasterCard® The Sam’s Club® MasterCard® provides a number of benefits, including several reward categories (5% for gas) and a number of shopping and travel perks. You must be a Sam’s Club member to use this card, which will also be your membership card.

Sam’s Club Business MasterCard

The Sam’s Club Business MasterCard provides cash back rewards for typical business and travel expenses: gas, dining, and travel.

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Alternative Rewards Credit Cards

Chase Sapphire Preferred Card

The Chase Sapphire Preferred Card is a popular card among travelers. It offers a hefty signup bonus, flexible points that transfer to many frequent traveler programs, and big discounts when redeeming points for travel through Chase Ultimate Rewards.You’ll get 2X points per dollar on travel and dining at restaurants. Use this card for all your travel and dining spending, and then use the points for travel expenses.People also like this card because it’s made of metal. It’s one of our picks for Best Travel Credit Cards.

American Express® Green Card

The American Express Green Card is a charge card, meaning you can’t revolve a balance from month to month.It’s designed for travel spending, offering 2X points per dollar on travel purchases through and several useful benefits.The Green card is not very rewarding, and you may prefer the American Express Premier Rewards Gold Card (Review), which is like an upgraded version of this card.

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What Sam's Club Credit Cards Are Available?

Sam’s Club is a membership-only retail warehouse club that is a division of Walmart Stores Inc. (NYSE: WMT). The first store opened in Oklahoma in 1983, and as of March 2016, there were 653 clubs across the United States and Puerto Rico. There are three types of Sam's Club membership programs available to the public: the Sam’s Savings, Sam’s Business and Sam’s Plus.

There are two Sam’s Club branded credit cards: the Sam’s Club Mastercard and the Sam’s Club Store Credit Card (or Personal Credit Card). Both cards are issued by Synchrony Bank.

While there is no annual fee for these cards, cardholders must be a Sam’s Club member to apply. It costs $45 for an annual Sam’s Club membership.

The BIG difference between these cards is that you can earn rewards with the Mastercard, but you don’t have an option for rewards with the store card.

Sam’s Club Credit Card Sign-Up Bonus Offer

Both Sam’s Club credit cards offer a sign-up bonus.

If you open a Sam’s Club Mastercard or Sam’s Club Store Credit Card on and make a single-receipt purchase of $45 or more on the same day, you will receive a $45 statement credit, which will appear within 1-2 billing periods.

Is The Sam's Club Credit Card Right For You?

That depends on which card you’re referring to and which rewards strategy you prefer.

The Sam’s Club Mastercard is generally considered a good card for earning cash back rewards, with higher than average reward percentages in certain categories. Cardholders earn 5% cash back on gas (up to $6,000 per year then 1%), 3% on dining and travel, and 1% on all other purchases.

It’s important to note these cash back rewards are only issued once per year for the previous calendar year and can only be redeemed in a Sam’s Club store.

Bottom Line

If you plan to fill your gas tank at Sam’s Club on a regular basis, you’ll earn big with this card’s 5 percent cash back on gas. You’ll also rack up rewards if you typically charge most of your dining and travel expenses. However, if torn between shopping at Sam’s Club or one of its competitors, you may find you’ll earn more cash with Costco’s or BJ’s cards, which offer a higher cash back percentage on in-club purchases.

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